I know that penalizing someone for not enrolling when they have no means of enrolling makes not sense.
I know the middle class making more thant $46,000 and not eligible for subsidies will rise up in anger when they learn their premiums and deductibles are higher and often unaffordable because of services they do not think they need.
I know that one function of healthcare.gov, the ability to browse and compare health exchange plans, was changed so that this information was not available until after people had enrolled.
So I know the government is behind schedule.
Note: __ means no information is available.